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Asset Allocation
by
codeblackhole
· GitHub ↗
· v1.0.1
976
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1
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3
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Install in OpenClaw
/install asset-allocation
Description
Professional investment advisory skill. Use when user asks about investing, wealth management, asset allocation, fund/etf selection, retirement planning, or...
README (SKILL.md)
Asset Allocation Advisor
Professional investment advisory skill based on CFA framework.
Quick Start
When user asks about investment/wealth topics:
- Collect financial profile (assets, liabilities, cash flow, emergency fund)
- Assess risk tolerance (capacity + willingness)
- Define investment goals (must-have, should-have, nice-to-have)
- Analyze macro environment (economic cycle, valuation)
- Create strategic asset allocation (SAA)
- Provide product selection criteria
- Set risk management rules
Core Methodology
- CFA IPS Framework - RRTTLLU principles
- Merrill Lynch Investment Clock - Macro timing
- Modern Portfolio Theory - Mean-variance optimization
- Behavioral Finance - Cognitive bias identification
Risk Assessment
| Level | Type | Max Drawdown |
|---|---|---|
| 1 | Conservative | \x3C5% |
| 2 | Stable | 5%-10% |
| 3 | Balanced | 10%-20% |
| 4 | Aggressive | 20%-35% |
| 5 | Very Aggressive | >35% |
Asset Allocation Models
Conservative (Level 1) - Target: 3%-4.5%
- Cash: 35% | Bonds: 40% | Hybrid: 15% | Equity: 8% | Gold: 2%
Stable (Level 2) - Target: 4%-6.5%
- Cash: 20% | Bonds: 30% | Hybrid: 20% | Domestic Equity: 18% | Overseas: 7% | Gold: 5%
Balanced (Level 3) - Target: 6%-10%
- Cash: 10% | Bonds: 20% | Hybrid: 20% | Domestic: 35% | Overseas: 10% | Gold: 5%
Aggressive (Level 4) - Target: 9%-18%
- Cash: 5% | Bonds: 10% | Hybrid: 15% | Domestic: 45% | Overseas: 18% | Gold: 7%
Detailed References
See reference files for:
product-selection.md- Fund/ETF selection criteriarebalancing-protocol.md- Rebalancing rulesmacro-framework.md- Macro analysis frameworkbehavioral-biases.md- Behavioral finance biasespurchase-guide.md- Detailed purchase instructions for all product types
Execution Phase
When user is ready to buy, ask their preferred platform:
- 支付宝/微信 - 基金操作
- 天天基金 - 专业基金平台
- 证券账户 - ETF/股票/REITs
- 银行App - 国债/理财
Then provide step-by-step purchase instructions with specific product names/codes from purchase-guide.md
Report Structure
Output comprehensive IPS report:
- Client Financial Profile
- Risk Assessment
- Investment Goals
- Macro Analysis
- Strategic Asset Allocation
- Product Selection Criteria
- Execution Plan
- Growth Projection
- Stress Testing
- Risk Management Rules
- Investment Discipline
- Monitoring Plan
Disclaimer
⚠️ Investment involves risk ⚠️ Past performance doesn't predict future ⚠️ For reference only, not formal advice
Usage Guidance
This skill appears coherent and limited to financial advisory tasks, but note the publisher/source is unknown and there is no homepage — verify the origin before installing. The skill will generate product-specific purchase steps (including platform names and product codes) using its local reference files; double-check any product codes, availability, fees, and regulatory considerations before acting on them. Never share bank/Account passwords, OTPs, or brokerage credentials with the skill. If you need licensed or fiduciary advice, consult a regulated professional in your jurisdiction.
Capability Analysis
Type: OpenClaw Skill
Name: asset-allocation
Version: 1.0.1
The asset-allocation skill bundle is a professional investment advisory tool based on the CFA framework. It provides structured logic for financial diagnosis, risk assessment, and portfolio construction, supported by detailed educational references in files like macro-framework.md and behavioral-biases.md. While SKILL.md and purchase-guide.md provide specific financial product codes (e.g., 510300, 110007), these are verified as mainstream, high-liquidity Chinese ETFs and funds, and their inclusion is consistent with the stated purpose of the skill. No evidence of data exfiltration, malicious execution, or harmful prompt injection was found.
Capability Assessment
Purpose & Capability
Name/description (investment advisory, asset allocation, product selection) match the SKILL.md and the included reference documents. The skill does not request unrelated binaries, env vars, or config paths.
Instruction Scope
Runtime instructions are limited to collecting a user's financial profile, assessing goals/risk, performing macro analysis, producing an IPS and execution steps, and using the shipped reference files; they do not instruct reading system files, environment variables, or contacting hidden external endpoints.
Install Mechanism
No install specification and no code files — instruction-only skill. Nothing will be downloaded or written to disk by an installer.
Credentials
The skill requests no environment variables, credentials, or config paths. All actions described rely on user-supplied financial data and the packaged reference documents.
Persistence & Privilege
always is false and the skill does not request persistent or elevated privileges. Autonomous invocation is allowed (platform default) but not accompanied by other risk-enhancing privileges.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install asset-allocation - After installation, invoke the skill by name or use
/asset-allocation - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.1
Optimized description for better discoverability
v1.1.0
Added detailed purchase guide with platform instructions and product codes
v1.0.0
Professional investment advisory skill based on CFA framework
Metadata
Frequently Asked Questions
What is Asset Allocation?
Professional investment advisory skill. Use when user asks about investing, wealth management, asset allocation, fund/etf selection, retirement planning, or... It is an AI Agent Skill for Claude Code / OpenClaw, with 976 downloads so far.
How do I install Asset Allocation?
Run "/install asset-allocation" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Asset Allocation free?
Yes, Asset Allocation is completely free (open-source). You can download, install and use it at no cost.
Which platforms does Asset Allocation support?
Asset Allocation is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Asset Allocation?
It is built and maintained by codeblackhole (@codeblackhole1024); the current version is v1.0.1.
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